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UTPhil2006

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Everything posted by UTPhil2006

  1. UTPhil2006
    That’s the hope. But there’s all sorts of things that could happen/come up between now and then. That’s just my gut
  2. UTPhil2006
    Like the one they’re factoring in for 2024? I’d say low 5’s
  3. UTPhil2006
    54-0
  4. UTPhil2006
    You serious Clark?
  5. UTPhil2006
    Missed the 3.9xx one. So I wouldn’t mind going into the 3.8xx which could happen by lunch. 3.928 currently.
  6. UTPhil2006
    Only thing about this program is they could have gone a little lower with the preset percentages. They’re lower than current but comparative to 210 days ago they’re not.
  7. UTPhil2006
    I’ll be curious to see if other lenders follow suit or just let UWM corner the market.
  8. UTPhil2006
    Fed holds steady at meeting today. Sees 75 bps of cuts for 2024. 10 year loves it.. down .13 To 4.07 current
  9. UTPhil2006
    @Wulaw Horn and I use the same big lender so it’s just a matter of licensing. We have about 40 states. The fees are gonna be mostly third party so roughly the same as well. The things you’re gonna wanna look at is origination (especially in todays market) and if they’re helping with appraisal (we take care of every shaggy guy)
  10. UTPhil2006
    Loophole will be closed within a couple years. Until then we need to buy a bunch of Breggy Bomb salsa
  11. UTPhil2006
    Time to buy a bunch of salsa and juice up them HEB contracts
  12. UTPhil2006
  13. UTPhil2006
    I don’t know how y’all made it more than a couple minutes in. I had to close it for my own sanity
  14. UTPhil2006
    I made it through about 2 min. Her ARM stuff was a bit farfetched. And her Zillow 1% stuff didn’t really hold water because Zillow doesn’t do the appraisal. And I don’t know anyone (or that they even had) who has used Zillow loans
  15. UTPhil2006
    Financially? Zero risk. That contract will pay for itself and then some. Now baseball and CBT wise, yes def some risk
  16. UTPhil2006
    Maybe youll get a chance soon bc if I’m her husband I’m leaving that shit before it gets worse
  17. UTPhil2006

    Tex Mex

    UTPhil2006 replied to blacklab's topic in Austin

    Yeah definitely good food. It’s the one of the owners of Dogwood (amongst others) and his wife’s place. The name is a nod to his late mother.
  18. UTPhil2006
    Hopefully it was just that initial market open pop of 0.10 and then trickles down the rest of the day.
  19. UTPhil2006
    Screw the jobs “report” that is all
  20. UTPhil2006
    Mother of god
  21. UTPhil2006
    Also Taylor shouldn’t even have survived week 1 but Paloma “went home”
  22. UTPhil2006
    This. It’s by far the most annoying and horrid thing about our job. And as mentioned above you guys I’ve been working with for 15+ years now (all the way back to Hornfans) so for it to just absolute annihilate you guys every single time when I run your credit makes me feel like a horses patoot when in reality it’s credit technologies or corelogic etc who’s likely doing it all at the expense of LO’s trying to explain each time that it’s not us doing it. As far as hit rate unless it’s a 90 year old dementia consumer, I gotta think the success rate is less than 0%
  23. UTPhil2006
    Carlos Mateo was who we sent back.
  24. UTPhil2006
    The #Royals are trading RHP Dylan Coleman to the Astros, sources tell me and @JonathanMayo. Kansas City clears a spot on the 40-man roster ahead of the Rule 5 Draft. guessing it’s for cash and a minor league deal
  25. UTPhil2006
    Get us on the list @Mez2

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